Active

• This account is eligible for BCT REWARDS.
• $50.00 minimum deposit will be required to open the account.
• $5.00 monthly service that can be reduced or eliminated by meeting 4 of the following 6 requirements*:
  • Receive a direct deposit during the statement cycle
  • Have at least 1 Direct Debit (which includes NetTeller Electronic Payments) during each statement cycle
  • Complete at least 12 transactions using their BCT Visa Debit Card each statement cycle
  • Write less than 12 checks in the statement cycle
  • Customer must have an aggregate deposit balance of $500.00 or more with BCT in Checking, Savings and/or CD's or customer must have an aggregate loan balance of $1,000.00 or more
  • Receive E-Statements

    *For each 1 of the 4 qualifications the customer selects from the above list, BCT will reduce their $5.00 fee by $1.25 to reduce or eliminate the charge up to a $5.00 maximum limit.

    BCT REWARDS work as follows…..

    • You must complete at least 13 BCT VISA debit card transactions to qualify for the rewards program. BCT will credit your account $.05 for each transaction you complete of $25.00 or more. Funds will be deposited into your BCT account at the end of the statement cycle
    • Example: Mrs. Smith makes her 12 debit card transactions to qualify for the $1.25 deduction from her monthly service charge. She uses her debit card 12 more times and of the 24 debit card transactions 12 were purchases of $25.00 or more. She would be credited $.60 at the end of the statement cycle.
      Please be advised that a 1099-MISC statement will be provided for tax purposes on all accounts that earn $10.00 or more in BCT Rewards.

Active Plus

• A $50.00 minimum deposit will be required to open the account.
• This account is NOT eligible for BCT REWARDS
• $5.00 monthly service that can be reduced or eliminated by meeting 4 of the following 6 requirements*:
  • Receive a direct deposit during the statement cycle
  • Have at least 1 Direct Debit (which includes NetTeller Electronic Payments) during each statement cycle
  • Complete at least 12 transactions using their BCT Visa Debit Card each statement cycle
  • Write less than 12 checks in the statement cycle
  • Customer must have an aggregate deposit balance of $500.00 or more with BCT in Checking, Savings and/or CD's or customer must have an aggregate loan balance of $1,000.00 or more
  • Receive E-Statements

    *For each 1 of the 4 qualifications the customer selects from the above list, BCT will reduce their $5.00 fee by $1.25 to reduce or eliminate the charge up to a $5.00 maximum limit. ul>

Experience

• This account is eligible for BCT REWARDS.
• A $50.00 minimum deposit will be required to open the account.
• $5.00 monthly service charge which can be reduced or eliminated by completing 1 of the 2 following requirements:
  • 1 Direct Deposit each statement cycle
  • An aggregate deposit balance with BCT in Checking, Savings, and/or CD's of $500.00 or more.

    BCT REWARDS work as follows…..

    • You must complete at least 13 BCT VISA debit card transactions to qualify for the rewards program. BCT will credit your account $.05 for each transaction you complete of $25.00 or more. Funds will be deposited into your BCT account at the end of the statement cycle
    • Example: Mrs. Smith makes her 12 debit card transactions to qualify for the $1.25 deduction from her monthly service charge. She uses her debit card 12 more times and of the 24 debit card transactions 12 were purchases of $25.00 or more. She would be credited $.60 at the end of the statement cycle.
      Please be advised that a 1099-MISC statement will be provided for tax purposes on all accounts that earn $10.00 or more in BCT Rewards.

Experience Plus

• A $50.00 minimum deposit will be required to open the account.
• The Experience Plus allows customers to earn interest on their balances at a tiered rate
• This account is NOT eligible for BCT REWARDS.
• $5.00 monthly service charge which can be reduced or eliminated by completing 1 of the 2 following requirements:
• 1 Direct Deposit each statement cycle
• An aggregate deposit balance with BCT in Checking, Savings, and/or CD's of $500.00 or more.

Peak Performance Money Market

• Higher yielding tiered interest bearing account – tiered rates begin at $.01 with increases at $25,000.00, $50,000.00 and $100,000.00
• Unlimited in person and ATM transactions per month
• Third Party Transactions (i.e. ACH's, Drafts, Checks, Debit Card transactions, NetTeller transactions, Telephone transactions, etc.) are limited to 6 per statement cycle.
• $10.00 fee charged for each transaction exceeding the 6 allowable transactions

Business

• A $50.00 minimum deposit will be required to open the account.
• $5.00 monthly fee (ask your tax advisor how this fee can be deducted as a business expense)
• Free Business VISA® debit/ATM card
• Unlimited check writing privileges
• Free NetTeller Internet banking with optional Business NetTeller at $24.95 per month
• Free personalized deposit stamp with new account only
• CD of check images available for $25.00 plus consumer sales tax

Business Checking Plus

• A $50.00 minimum deposit will be required to open the account.
• $5.00 monthly fee (ask your tax advisor how this fee can be deducted as a business expense)
• Free Business VISA® debit/ATM card
• Unlimited check writing privileges
• Free NetTeller Internet banking with optional Business NetTeller at $24.95 per month
• Free personalized deposit stamp with new account only
• CD of check images available for $25.00 plus consumer sales tax

Business Peak Performance Money Market

• Higher yielding tiered interest bearing account – tiered rates begin at $.01 with increases at $25,000.00, $50,000.00 and $100,000.00
• Unlimited in person and ATM transactions per month
• Third Party Transactions (i.e. ACH's, Drafts, Checks, Debit Card transactions, NetTeller transactions, Telephone transactions, etc.) are limited to 6 per statement cycle.
• $10.00 fee charged for each transaction exceeding the 6 allowable transactions

Community

Community Checking Plus

• Interest paid on account balances at a tired rate (see fee schedule

Community Peak Performance Money Market

• Higher yielding tiered interest bearing account – tiered rates begin at $.01 with increases at $25,000.00, $50,000.00 and $100,000.00
• Unlimited in person and ATM transactions per month
• Third Party Transactions (i.e. ACH's, Drafts, Checks, Debit Card transactions, NetTeller transactions, Telephone transactions, etc.) are limited to 6 per statement cycle.
• $10.00 fee charged for each transaction exceeding the 6 allowable transactions

Savings Account

• Minimum deposit of $10.00 required for children under 18 (adult may be required) to open account.
• Minimum deposit of $50.00 (for those 18 or older) to open account
• Interest is earned daily and credited quarterly
• Detailed quarterly statement provided
• 6 withdrawals from the account are allowed each month (additional withdrawals may be subject to a fee)
• Free NetTeller
• Free ATM card for the savings account that can be used to make withdrawals, transfer funds to another linked BCT account and to obtain balance information

Centsables Savings

• The Centsables banking program encourages savings by providing youngsters with their own interest-bearing savings accounts, plus Censtsables prizes as their savings grow.
• Minimum opening balance - $10.00 (As a thank you, BCT will make a deposit to the account of $5.00 on the day it is opened)
• Interest is earned daily and credited quarterly
• Detailed Quarterly statements provided
• Program targeted for kids 6-12 years old, combines entertainment with education.
• The Interactive Centsables website, Centsables comic book series, and much more can be accessed directly from www.mybct.com
• To open your child’s Centsables Savings Account, or to have your child’s existing savings accounts converted to the Centsables Savings account, stop by any BCT branch for more details.